PLEASE READ ALL TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.

1. Use of the Website. Inspira Financial Trust, LLC and its affiliates, including Inspira Financial Health, Inc. (collectively “Inspira Financial”) provide the information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Content") on the Inspira Financial website (the “Website”) solely for the use of its Website users. Inspira Financial may revise the Content or these Terms of Use at any time without prior notice by updating this posting, which revisions will be binding upon all Website users. Content may refer to products, programs or services offered by Inspira Financial that are not available in your country. Consult a Inspira Financial representative for information about the products, programs and services that may be available to you.
2. Cookies. This Website uses cookies. Cookies enable a web server to identify and track web browsers to improve overall user experience. By using this Website, you consent to Inspira Financial’s use of cookies.
3. Failure Events. Neither Inspira Financial nor any of its suppliers or its or their officers, directors, employees, agents, representatives or subcontractors shall be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to the following (collectively, “Failure Events”): electronic or mechanical equipment failures; denial of service attacks; data processing failures; telecommunications or Internet malfunction; utility malfunction or failure; systems or service unavailability or failure; hardware or software malfunction or failure; encryption failure; interception by third parties; unauthorized access, theft or modification; or major unforeseen events, including but not limited to earthquakes, fires, floods, civil unrest or riots, war, or acts or threatened acts of terrorism or other like causes beyond the reasonable control of Inspira Financial. Inspira Financial shall have no responsibility to provide access to this Website while the interruption of this Website due to any Failure Event shall continue. Inspira Financial may discontinue providing access to this Website at any time.
4. Privacy. Inspira Financial’s collection and use of your information through the Website, is governed by Inspira Financial's Privacy Policy, as may be amended from time to time,  the current version of which is located here: https://inspirafinancial.com/privacy-policy/privacy/privacy-policy.
5. No Warranties. The Content on this Website is being provided for informational purposes only, and is not intended as an offer, solicitation or recommendation for the purchase or sale of any security or other financial instrument or to adopt a particular investment strategy. Content has been obtained from sources believed to be reliable, but Inspira Financial, as well as its directors, officers, shareholders, employees or agents (collectively “Millennium Persons”), do not warrant or guarantee its completeness, adequacy, timeliness or accuracy, except with respect to any disclosures relative to Inspira Financial. Inspira Financial does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives. The Content contained herein is as of the date referenced, and Inspira Financial does not undertake any obligation to update such Content in any form or format. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, INSPIRA FINANCIAL ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY
6. No Investment Advice. All Content is shown for illustrative purposes only. Investors must make their own decisions regarding any securities or financial instruments mentioned herein and must not rely upon the Content on this Website in evaluating the merits of investing in any instruments or pursuing investment strategies described herein. Inspira Financial acts only as a directed custodian or an administrator of services and is not an investment adviser or broker-dealer. You are responsible for consulting your own investment adviser, financial adviser, tax professional, legal professional or other relevant professionals in connection with any transactions you may enter into on this Website. Securities, financial instruments and investment strategies may not be suitable for all investors. Past performance is not indicative of future returns and there is no guarantee of the future performance of any investment. The value or income associated with any investment may fluctuate, and investors could lose their entire investment. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses.
7. Limitation of Liability. In no event shall Millennium Persons be liable for any use by any party of, for any decision made or action taken by any party in reliance upon, or for any inaccuracies or errors in, or omissions from, the information and material contained on this Website and/or delivered to the user through this Website. In no event shall Millennium Persons be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including without limitation, lost income or lost profits and opportunity costs) whether under a contract, tort, or any other theory of liability, in connection with any Content, or your use of the Website or as otherwise directed by you, or in connection with any failure of performance, or loss of data, even if advised of the possibility of such damages. 
8. Intellectual Property. You acknowledge and agree that: (a) the Content of the Website, including the graphics, icons and overall appearance of the Website, are to the sole and exclusive property of Inspira Financial and/or Inspira Financial’s licensor(s); (b) the Inspira Financial name is a trademark of Inspira Financial, you have no rights or interests in the mark, and all goodwill in the mark will continue to accrue to Inspira Financial; (c) Inspira Financial may make changes to the Website at any time; and (d) you are solely responsible for obtaining, installing and maintaining all hardware, software, telecommunications lines and Internet access that may be required to access the Website. Inspira Financial grants you a limited, revocable, nonexclusive license to use this Website solely for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use.
9. Copyright Restrictions. Inspira Financial maintains copyright protection in all Content. You may not use, download, upload, copy, print, display, perform, reproduce, publish, or distribute any Content, in whole or in part, without the prior written consent of Inspira Financial. Under no circumstances will you acquire any ownership rights or other interest in any Content by or through your use of this Website.
10. Use Restrictions. As a condition of your use of this Website, you will not use the Website or the Website information for any purpose that is unlawful or prohibited by these Terms of Use, including in any manner that could damage, disable, overload or impair the operation of this Website or use by third parties.
11. Links to the Website. You may link to the Inspira Financial home page but are not authorized to link to any other page on the Website without the prior express written consent of Inspira Financial provided that Inspira Financial reserves the right to withdraw this consent at any time in its discretion. You may not use any of Inspira Financial's proprietary logos, marks, or other distinctive graphics, video, or audio material in your links without our consent. You may not link in any manner reasonably likely to 1) imply affiliation with or endorsement or sponsorship by Inspira Financial; 2) cause confusion, mistake, or deception; 3) dilute Inspira Financial's trademarks, service marks or trade names; or 4) otherwise violate applicable law.
12. Links to Third-Party Websites.  The Website may contain links to third-party websites. The links are provided solely as a convenience to you and not as an endorsement by Inspira Financial of the content on such third-party websites. Inspira Financial does not control or guarantee the accuracy or integrity of the content located on any such third-party websites. Inspira Financial is not responsible and assumes no liability for the information, content or software of such third-party websites and does not make any representations regarding the content, quality, safety or accuracy of materials on any such third-party websites. If you decide to access third-party websites, you do so at your own risk.
13. Co-Browsing Optional Service: “Share My Screen”.  The Website includes an optional service called “Share My Screen.”  This is a co-browsing feature that allows Inspira Financial customer service agents to help you navigate certain portions of the Website, including our client portals.  To use it, you will need to call Inspira Financial client services and provide verbal consent to start the co-browsing session.  Verbal consent must be given by you to an Inspira Financial customer service agent on a recorded line.  During a co-browsing session, the agent will not be able to view data fields that may contain sensitive data. 
14. Export and Trade Controls. You agree not to import, export, re-export, or transfer, directly or indirectly, any part of this Website or any Content provided on or pursuant to this Website except in full compliance with all United States, foreign and other applicable laws and regulations.
15. Restricted Rights Legend. U.S. GOVERNMENT RESTRICTED RIGHTS. UNPUBLISHED -- RIGHTS RESERVED UNDER THE COPYRIGHT LAWS OF THE UNITED STATES. Use, duplication, or disclosure by the U.S. Government of any Website Content (all technical data is "Limited Rights Data") or any software (all of which is "Commercial Computer Software") downloaded from this Website is subject to restrictions set forth in FAR Section 52.227-14 Alt. III (g)(3), FAR Section 52. 227-19, DFARS 252.227-7014 (b) or DFARS 227.7202, as amended from time to time. Inspira Financial is located at 2001 Spring Road, Suite 700, Oak Brook, IL 60523. Any contract notices should be sent to this address.
16. Severability. If any provision of these Terms of Use is found to be unlawful or unenforceable in any respect, the court shall reform such provision so as to render it enforceable (or, if it is not possible to reform such provision so as to make it enforceable, then delete such provision). As so reformed or modified, the court shall fully enforce these Terms of Use. Failure by either party to enforce any right under these Terms of Use will not waive that right.
17. Governing Law. This Agreement shall be construed according to, and the rights of the parties shall be governed by, the law of the State of Illinois.